Can I retire at age 41 with 1,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$156,900$155,503$154,139$152,808$151,509$149,989
2 years$77,673$76,227$74,825$73,465$72,147$70,616
3 years$51,268$49,815$48,417$47,070$45,773$44,279
4 years$38,068$36,619$35,235$33,911$32,646$31,200
5 years$30,150$28,710$27,344$26,047$24,817$23,423
6 years$24,873$23,444$22,098$20,830$19,637$18,297
7 years$21,105$19,688$18,363$17,126$15,970$14,685
8 years$18,280$16,876$15,574$14,366$13,249$12,018
9 years$16,085$14,694$13,414$12,237$11,157$9,980
10 years$14,329$12,952$11,694$10,548$9,506$8,383
11 years$12,894$11,530$10,295$9,180$8,176$7,105
12 years$11,698$10,349$9,137$8,052$7,085$6,066
13 years$10,688$9,353$8,163$7,109$6,178$5,209
14 years$9,822$8,501$7,335$6,310$5,416$4,495
15 years$9,073$7,766$6,622$5,628$4,769$3,896
16 years$8,418$7,125$6,004$5,039$4,214$3,388
17 years$7,840$6,562$5,463$4,528$3,737$2,954
18 years$7,328$6,064$4,987$4,080$3,323$2,583
19 years$6,869$5,620$4,566$3,687$2,962$2,264
20 years$6,457$5,222$4,190$3,339$2,645$1,987
21 years$6,085$4,864$3,854$3,031$2,367$1,747
22 years$5,747$4,540$3,552$2,755$2,122$1,539
23 years$5,439$4,247$3,280$2,509$1,905$1,357
24 years$5,157$3,979$3,033$2,289$1,712$1,197
25 years$4,898$3,734$2,809$2,090$1,541$1,058
26 years$4,660$3,509$2,606$1,911$1,388$935
27 years$4,439$3,303$2,420$1,749$1,251$827
28 years$4,235$3,112$2,249$1,603$1,129$732
29 years$4,045$2,936$2,093$1,470$1,019$649
30 years$3,868$2,773$1,950$1,349$921$575
31 years$3,702$2,621$1,818$1,239$833$510
32 years$3,548$2,480$1,696$1,139$753$452
33 years$3,403$2,349$1,583$1,047$682$401
34 years$3,266$2,226$1,479$963$617$356
35 years$3,138$2,111$1,383$887$559$316
36 years$3,018$2,004$1,294$817$507$281
37 years$2,904$1,903$1,211$752$459$249
38 years$2,796$1,809$1,134$694$416$222
39 years$2,694$1,720$1,063$640$377$197
40 years$2,598$1,636$996$590$342$175
41 years$2,506$1,558$934$544$311$155
42 years$2,419$1,484$876$502$282$138
43 years$2,336$1,414$822$464$256$123
44 years$2,257$1,347$772$428$232$109
45 years$2,182$1,285$725$395$211$97
46 years$2,111$1,226$681$365$191$86
47 years$2,043$1,170$639$337$174$77
48 years$1,977$1,117$601$312$158$68
49 years$1,915$1,066$565$288$143$61
50 years$1,855$1,019$531$266$130$54

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 41 starting with $1,900,000, adding $2,675 every year, while hoping to spend $42,074 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 37/40/23 Blend
40$1,900,000$1,900,000$1,900,000$1,900,000
41$2,096,559$1,995,859$1,966,409$2,159,559
42$2,265,642$2,048,890$1,987,518$2,258,862
43$2,450,561$2,103,109$2,007,923$2,361,953
44$2,652,887$2,158,530$2,027,557$2,472,466
45$2,874,350$2,215,167$2,046,349$2,591,094
46$3,116,854$2,273,031$2,064,222$2,718,602
47$3,382,498$2,332,134$2,081,098$2,855,831
48$3,673,591$2,392,486$2,096,893$3,003,706
49$3,992,676$2,454,097$2,111,518$3,163,249
50$4,342,556$2,516,975$2,124,881$3,335,583
51$4,726,317$2,581,127$2,136,885$3,521,947
52$5,147,357$2,646,558$2,147,426$3,723,704
53$5,609,420$2,713,272$2,156,398$3,942,356
54$6,116,631$2,781,272$2,163,686$4,179,560
55$6,673,530$2,850,558$2,169,173$4,437,140
56$7,285,124$2,921,128$2,172,734$4,717,106
57$7,956,923$2,992,979$2,174,236$5,021,673
58$8,694,999$3,066,106$2,173,544$5,353,282
59$9,506,044$3,140,500$2,170,513$5,714,623
60$10,397,426$3,216,150$2,164,990$6,108,661
61$11,377,264$3,293,042$2,156,818$6,538,662
62$12,454,504$3,371,161$2,145,831$7,008,228
63$13,639,001$3,450,484$2,131,853$7,521,327
64$14,941,611$3,530,990$2,114,703$8,082,332
65$16,374,298$3,612,651$2,094,188$8,696,066
66$17,950,241$3,695,436$2,070,107$9,367,841
67$19,683,962$3,779,309$2,042,252$10,103,513
68$21,591,460$3,864,229$2,010,402$10,909,537
69$23,690,365$3,950,152$1,974,327$11,793,028
70$26,000,101$4,037,028$1,933,785$12,761,827
71$28,542,069$4,124,800$1,888,524$13,824,578
72$31,339,851$4,213,406$1,838,281$14,990,808
73$34,419,431$4,302,779$1,782,779$16,271,016
74$37,809,441$4,392,843$1,721,730$17,676,778
75$41,541,427$4,483,515$1,654,831$19,220,849
76$45,650,152$4,574,707$1,581,767$20,917,292
77$50,173,919$4,666,318$1,502,207$22,781,605
78$55,154,934$4,758,244$1,415,807$24,830,870
79$60,639,707$4,850,367$1,322,206$27,083,917
80$66,679,484$4,942,562$1,221,027$29,561,498
81$73,330,736$5,034,692$1,111,875$32,286,490
82$80,655,688$5,126,610$994,341$35,284,103
83$88,722,910$5,218,155$867,993$38,582,129
84$97,607,960$5,309,158$732,384$42,211,196
85$107,394,097$5,399,431$587,044$46,205,063
86$118,173,069$5,488,778$431,484$50,600,942
87$130,045,976$5,576,982$265,193$55,439,842
88$143,124,227$5,663,815$87,638$60,766,968
89$157,530,586$5,749,030$0$66,632,139
90$173,400,336$5,832,363$0$73,115,262
91$190,882,552$5,913,530$0$80,276,440
92$210,141,508$5,992,230$0$88,160,996
93$231,358,230$6,068,136$0$96,842,604
94$254,732,199$6,140,905$0$106,402,456
95$280,483,239$6,210,165$0$116,930,025
96$308,853,588$6,275,522$0$128,523,915
97$340,110,186$6,336,555$0$141,292,791
98$374,547,194$6,392,814$0$155,356,402
99$412,488,768$6,443,823$0$170,846,720
100$454,292,122$6,489,070$0$187,909,179